Credit Cards

[cableguy123]

Ron my score is right around 700-720 depending on what source you use.. I know they are inq sensetive told me i would had been approved but i have like 12 and 2 are about to drop off in the next few weeks. Called the UW told me they would submit what i told her for the Visa Signature Card should know in 2-3 days tried calling the automated number but their systems are down right now!

[emptypockets]

I can confirm that they do not always pull EX. They pulled TU for me ( I am in Michigan). This is great, because I only have one INQ on TU. i saw somewhere that they may pull EQ or TU on the east coast. My status page says something about needing some sort of verification ( sorry I didn't write down what it said word for word). But where Ron's screen says under review, mine says awaiting verification. I think it may have to do with me listing rental property income on the app.

[Ron1]

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cableguy123 wrote:

Ron my score is right around 700-720 depending on what source you use.. I know they are inq sensetive told me i would had been approved but i have like 12 and 2 are about to drop off in the next few weeks. Called the UW told me they would submit what i told her for the Visa Signature Card should know in 2-3 days tried calling the automated number but their systems are down right now!

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I don't know what my score is.  I have perfect credit history (no late, past due, charge-off) The score was around 740-750 whe I applied for Firsttech.

Ron.

[Ron1]

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emptypockets wrote:
I can confirm that they do not always pull EX. They pulled TU for me ( I am in Michigan). This is great, because I only have one INQ on TU. i saw somewhere that they may pull EQ or TU on the east coast. My status page says something about needing some sort of verification ( sorry I didn't write down what it said word for word). But where Ron's screen says under review, mine says awaiting verification. I think it may have to do with me listing rental property income on the app.

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Good Luck!!!!

Ron.

[android01]

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emptypockets wrote:
I can confirm that they do not always pull EX. They pulled TU for me ( I am in Michigan). This is great, because I only have one INQ on TU. i saw somewhere that they may pull EQ or TU on the east coast. My status page says something about needing some sort of verification ( sorry I didn't write down what it said word for word). But where Ron's screen says under review, mine says awaiting verification. I think it may have to do with me listing rental property income on the app.

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I can confirm that they've NEVER pulled EX for me.  Initial apps years ago were ALL EQ (I'm in Minnesota).  When asking for a CLI they hard pulled TU, which they also soft for account review periodically along with EQ.  Their EX pulling seems to be more on the West Coast.  

[Revelate]

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android01 wrote:

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emptypockets wrote:
I can confirm that they do not always pull EX. They pulled TU for me ( I am in Michigan). This is great, because I only have one INQ on TU. i saw somewhere that they may pull EQ or TU on the east coast. My status page says something about needing some sort of verification ( sorry I didn't write down what it said word for word). But where Ron's screen says under review, mine says awaiting verification. I think it may have to do with me listing rental property income on the app.

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I can confirm that they've NEVER pulled EX for me.  Initial apps years ago were ALL EQ (I'm in Minnesota).  When asking for a CLI they hard pulled TU, which they also soft for account review periodically along with EQ.  Their EX pulling seems to be more on the West Coast.  

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Yeah, typical national lender profile from what I saw in the credit pulls database... though oddly there wasn't a huge statistical sampling compared to many other lenders.  I know from this forum certainly others are more prolific, but is USBank in general on the smaller size of credit card issuers?

[emptypockets]

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Ron1 wrote:

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emptypockets wrote:
I can confirm that they do not always pull EX. They pulled TU for me ( I am in Michigan). This is great, because I only have one INQ on TU. i saw somewhere that they may pull EQ or TU on the east coast. My status page says something about needing some sort of verification ( sorry I didn't write down what it said word for word). But where Ron's screen says under review, mine says awaiting verification. I think it may have to do with me listing rental property income on the app.

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Good Luck!!!!

Ron.

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Thanks!! You too!

[Ron1]

By the way, my credit utilization is about 1%.

Ron.

[android01]

Well, I just called to see if I could PC to the new Cash+ card, and I did.  It was completely seemless with no questions asked.  It will have a new account number, but there will be no new account.  All history remains the same when reporting to the CRA's.  i should have asked for a higher CL, but I know that would have resulted in a hard pull.   

[android01]

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Revelate wrote:

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android01 wrote:

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emptypockets wrote:
I can confirm that they do not always pull EX. They pulled TU for me ( I am in Michigan). This is great, because I only have one INQ on TU. i saw somewhere that they may pull EQ or TU on the east coast. My status page says something about needing some sort of verification ( sorry I didn't write down what it said word for word). But where Ron's screen says under review, mine says awaiting verification. I think it may have to do with me listing rental property income on the app.

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I can confirm that they've NEVER pulled EX for me.  Initial apps years ago were ALL EQ (I'm in Minnesota).  When asking for a CLI they hard pulled TU, which they also soft for account review periodically along with EQ.  Their EX pulling seems to be more on the West Coast.  

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Yeah, typical national lender profile from what I saw in the credit pulls database... though oddly there wasn't a huge statistical sampling compared to many other lenders.  I know from this forum certainly others are more prolific, but is USBank in general on the smaller size of credit card issuers?

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They are certainly smaller than a Chase or Citi, but they aren't small by any means.  They've been gradually but steadily adding to their credit card business over time.  They are a VERY well managed bank that didn't get caught up in the meltdown a few years back.  From my understanding, this new card is the first that anyone can apply for in all 50 states, not just where US Banks are located.